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Compare Low APR Credit Cards

Credit cards that offer 0% introductory APR rates are a great way to enjoy interest-free purchases. Some of these cards combine a 0% intro purchase APR with a 0% intro balance transfer APR, so you can save additional money on expenditures you've already made. A number of these credit cards also include cash back and other rewards for purchases made with your card. We've reviewed top cards from the biggest issuers and below is our list of the best low APR credit cards from our partners that we've reviewed. If you'd like to learn more about credit cards and how they work, visit our Credit Card FAQs.

Low APR Credit Card Reviews & Prices

Updated 10-24-2014

Name & CardPurchase APRAnnual FeeBalance Transfer APRCredit Needed Features Our Rating & Bottom Line
Citi Simplicity®
Citi Simplicity<sup>®</sup>0% for first 18 months,
then 12.99% - 22.99% (V)*
$0*0% for 18 months*ExcellentSave money with a 0% intro APR on purchases and transfers, no late fees
Our Rating:
Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees
Chase Slate®
Chase Slate<sup>®</sup> 0% for first 15 months,
then 12.99%, 17.99% or 22.99%
None0% for 15 monthsGood$0 introductory balance transfer fee during first 60 days your account is open; 0% intro APR on purchases and transfers
Our Rating:
Great choice for balance transfers; Only card with $0 intro balance transfer fee, 0% intro APR on purchases & transfers for 15 months
Citi® Diamond Preferred® Card
Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card 0% for first 18 months,
then 11.99% - 21.99% (V)*
$0*0% for 18 months*ExcellentSave money with a 0% intro APR on purchases and transfers
Our Rating:
Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
BankAmericard® Visa® Card
BankAmericard<sup>®</sup> Visa<sup>®</sup> Card0% Intro for 15 billing cycles,
then 10.99%-20.99% variable
$00% Intro for 15 billing cycles on qualifying balance transfers,
then 10.99%-20.99% variable
Excellent 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in first 60 days, then a variable APR between 10.99% - 20.99% on Purchases and Balance Transfers
Our Rating:
Combines a low intro APR offer with some of the lowest ongoing APRs
Name & Card Purchase APR Annual Fee Balance Transfer APR Credit Needed Features Our Rating & Bottom Line
Blue Cash Preferred® Card from American Express
Blue Cash Preferred<sup>®</sup> Card from American Express0% for 15 months, then 12.99%-21.99% Variable$750% for 15 months, then 12.99%-21.99% VariableExcellent6% cash back at US supermarkets (up to $6K), 3% cash back on US gas & select US dept stores; 1% cash back on other purchases. $150 intro bonus.
Our Rating:
Up to 6% cash back on everyday spending with unlimited cash back; $150 bonus; 0% APR on purchases and balance transfers for 15 months
Chase Freedom®
Chase Freedom<sup>®</sup>0% for the first 15 months,
then 13.99% - 22.99% Variable
None0% for 15 monthsGood$100 bonus after spending $500 in first 3 months; 5% cash back in rotating spending categories (up to $1,500 per quarter), 1% on all other purchases
Our Rating:
Excellent combination of cash back rewards and 0% intro APR; $100 bonus opportunity
Discover it® Card
Discover it<sup>®</sup> Card0% for first 14 months,
then 10.99% - 22.99% (Variable)*
None0% for 14 monthsExcellent5% cash back on purchases within select categories; 1% on all other purchases
Our Rating:
Combines cash-back rewards with a 14-month 0% intro APR on purchases & balance transfers
Citi® Double Cash Card
Citi<sup>®</sup> Double Cash Card0% for 15 months,
then 12.99-22.99% Variable
$0*0% for 15 months,
then 12.99-22.99% Variable
Excellent1% cash back on all purchases plus another 1% cash back as you pay for those purchases, whether you pay in full or over time
Our Rating:
1% cash back when you buy PLUS 1% back when you pay = 2x cash back on all purchases; 15-mo 0% APR on balance transfers and purchases
Name & Card Purchase APR Annual Fee Balance Transfer APR Credit Needed Features Our Rating & Bottom Line
Simmons First Visa® Platinum
Simmons First Visa<sup>®</sup> Platinum7.25% Variable$07.25% VariableExcellentVery low ongoing APR, No balance transfer fee
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
Barclaycard® Ring Mastercard®
Barclaycard<sup>®</sup> Ring Mastercard<sup>®</sup>8.00% (Variable)None8.00% (Variable)ExcellentVery low ongoing APR, No balance transfer fee, users help manage card program and participate in profits
Our Rating:
Combines remarkable low ongoing APR on purchases & balance transfers with no balance transfer fee; No 0% intro APR; includes a unique profit sharing program
Blue Cash Everyday® Card from American Express
Blue Cash Everyday<sup>®</sup> Card from American Express0% for 15 months, then 12.99%-21.99% Variable$00% for 15 months, then 12.99%-21.99% VariableExcellent3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores; 1% cash back on other purchases. $100 intro bonus.
Our Rating:
Up to 3% cash back on everyday spending; $100 bonus; unlimited cash back; 15-mo 0% APR on purchases and balance transfers
Capital One® Platinum Prestige Credit Card
Capital One<sup>®</sup> Platinum Prestige Credit Card0% until Feb 2016,
then 10.9% - 18.9% (V)
$00% until Feb 2016,
then 10.9% - 18.9% (V)
Excellent/ GoodSave money with a 0% intro APR on purchases and balance transfers
Our Rating:
0% intro APR on purchases and balance transfers, low ongoing APR
Name & Card Purchase APR Annual Fee Balance Transfer APR Credit Needed Features Our Rating & Bottom Line
U.S. Bank Visa® Platinum Card
U.S. Bank Visa<sup>®</sup> Platinum Card0% for 15 months,
then 9.99% - 23.99%
None0% for 15 monthsExcellentSave money with a 0% intro APR on purchases and transfers
Our Rating:
15-month 0% APR intro and balance transfer APR period
BankAmericard Cash Rewards™ Credit Card
BankAmericard Cash Rewards™ Credit Card0% Intro for 12 billing cycles,
then 12.99%-22.99% variable
$00% Intro for 12 billing cycles on qualifying balance transfers,
then 12.99%-22.99% variable
ExcellentEarn 2% cash back at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter, 1% cash back on other purchases, $100 online-exclusive bonus opportunity
Our Rating:
Combines great cash back rewards with an Introductory APR offer; $100 online-exclusive bonus opportunity
Simmons First Visa® Platinum Rewards
Simmons First Visa<sup>®</sup> Platinum Rewards9.25% Variable$09.25% VariableExcellent1 point per $1 spent
Our Rating:
Combines very low ongoing APR and no balance transfer fees with travel rewards program
BuyPower Card from Capital One
BuyPower Card from Capital One0% for first 12 months, then 11.9% - 19.9% (V)None11.90% - 19.90% (V)Excellent/Good5% earnings on first $5,000 in purchases annually, 2% earnings on all purchases after that
Our Rating:
If you're in the market for a Chevrolet, Buick, GMC or Cadillac, this card will help get you in the driver's seat
Name & Card Purchase APR Annual Fee Balance Transfer APR Credit Needed Features Our Rating & Bottom Line
Citi ThankYou® Preferred Card - Earn up to 20,000 Bonus Points
Citi ThankYou<sup>®</sup> Preferred Card - Earn up to 20,000 Bonus Points0% for 12 months, then 12.99% - 22.99% (V)*$0*0% for 12 months*Excellent20K points for $1,500 spent in first 3 mos; 2 points per $1 spent on dining and entertainment; 1 point per $1 spent on all other purchases
Our Rating:
Earn rewards to spend on cash, travel and more; 20,000 bonus point opportunity
UPromise World Mastercard®
UPromise World Mastercard<sup>®</sup>0% for 12 months,
then 12.99% or 20.99% (Variable)
None0% for 12 monthsExcellent4% cash back for eating at participating Upromise restaurants, 3% for gas at Exxon or Mobile, 2% for movies, 1% cash back on all other purchases
Our Rating:
Smart choice for those saving for college or who want to pay off a college loan; 0% APR for 12 months on purchases & balance transfers; $50 cash back after 1st use
BankAmericard Travel Rewards® Credit Card
BankAmericard Travel Rewards<sup>®</sup> Credit Card0% Intro for 12 billing cycles,
then 14.99% - 22.99% variable
$014.99% - 22.99% variableExcellentEarn 1.5 points per $1 spent on all purchases; 10,000 online-exclusive bonus points after spending at least $500 in purchases in first 90 days
Our Rating:
Great value of 1.5 points for every $1 in purchases plus an Introductory APR offer; no foreign transaction fees
Citi ThankYou® Preferred Card - Low Intro APRs
Citi ThankYou<sup>®</sup> Preferred Card - Low Intro APRs0% for first 15 months,
then 12.99% - 22.99%*
$0*0% for 15 months*ExcellentEarn 2 points per $1 spent on dining at restaurants and entertainment, 1 point per $1 spent on all other purchases
Our Rating:
0% APR on purchases and balance transfers for 15 months, earn rewards to spend on cash, travel and more.
Name & Card Purchase APR Annual Fee Balance Transfer APR Credit Needed Features Our Rating & Bottom Line
Capital One® VentureOne® Rewards Credit Card
Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card0% until Nov 2015,
then 11.9% - 19.9% (V)
$011.9% - 19.9% (V)Excellent/ Good1.25 miles per $1 spent on all purchases; earn 20,000 miles (equal to $200 in travel) once you spend $1,000 in first 3 months
Our Rating:
Unlimited travel rewards combined with 0% introductory APR and no annual fee makes this a solid choice

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

*See credit card application page for additional details.

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Advertiser Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.